The personal information that Kingsmen Capital collects and uses varies depending on our interactions with you. Our objective when collecting and using personal information is to maintain and improve the relationship we have with you; provide you with information about products and services that you will value; reduce the cost associated with maintaining your (and others’) accounts so that we may continue to provide you with a fairly priced product; reduce unwanted or inappropriate marketing; and protect you from unauthorized access to and use of your account or personal information.

The personal information that we may collect from you includes:

• Contact and identifying information such as name, email address, mailing address, phone number, social insurance number, or other government ID, and date of birth;
• Billing information such as credit card number, bank account number, void cheque, and billing address;
• Information about your business such as company name, entity type (e.g., corporation, partnership, sole proprietorship), and business phone number;
• Information about your relationship, such as whether you are a contact, reference, or guarantor for an applicant;
• Credit information about you and your business; and
• Financial information about you and your business, such as sales volume, revenue, seasonal or cyclical income patterns,
  and online banking credentials where you apply for a service that offers data collection directly from your bank account.

By submitting information about other individuals, such as references, guarantors, landlords, emergency contacts, other owners, or employees, you warrant and represent that you have obtained their consent to the collection, use, and disclosure of their personal information in accordance with this Privacy Policy. This consent includes the use of individuals’ contact information to verify information you have provided to us and their consent to receive commercial electronic messages from Kingsmen Capital.

We may collect personal information from multiple sources, including:

• From you, in an application, agreement, form, correspondence, or verbal communication;
• From third parties such as credit bureaus, business directories, direct contact with nearby businesses, online searches, financial institutions, and other entities that have extended credit to you;
• From other people or entities you have identified, such as references (including landlords, suppliers, and franchisors), guarantors, employees, or directors of your company.

We may collect personal information at various times, including:

• Before we have a business relationship, such as when you send us correspondence, make an inquiry about our products and services, submit an application,
  or after an application has been declined by us or withdrawn by you;
• During our business relationship, such as when your application and eligibility are being assessed, and during the term of any products, services, or other agreements between us; and
• After our business relationship, including to assess your eligibility for new or additional products or services, maintain internal records and communication with you, and to analyze and improve our processes, products, and services.